The implementation of credit risk internal rating-based approach (IRB) is a huge systematic project, which involves many aspects of the external regulations and bank internal risk control. The overall level of China's small and medium-sized commercial banks in this field is low, and the corresponding risk management experience is lacking.

Internal rating-based compliance solution helps banks in building internal rating measurement systems to achieve scientific measurement of risk parameters. Through data integration, analysis and management to help banks in developing scoring models, building risk parameter asset pool division system, and guiding the practical application of quantitative results in daily operations.